The AI back-office for
housing agencies.
A deterministic-first compliance + bookkeeping platform purpose-built for Public Housing Agencies, HCV programs, federal grantees, and HUD itself. Everything PHA-Web does — plus continuous AI audit, automated reconciliation, NSPIRE physical-inspection prep, FASS-PH submission generation, and in-page Microsoft 365 integration.
The systems we plug into
HUD operates a constellation of online systems — most acronymed, most date back to the late 1990s. Our role: be the modern UI + AI layer that prepares and validates the data these systems need, while continuously auditing the underlying books. We compute and validate only — your team files with HUD using its own credentials; we never submit or transmit to HUD on your behalf.
Composite score: Physical (NSPIRE) + Financial (FASS-PH) + Management (MASS) + Capital Fund. Drives Troubled / Standard / High Performer status.
Score forecasting before submission; root-cause analysis for each pillar; remediation playbook.
2024 replacement for UPCS. Three inspectable areas (Unit, Inside, Outside); 89 defect codes; severity-weighted.
Pre-inspection self-audit; defect remediation tracker; trend analysis across portfolio.
Annual electronic financial statement submission. Mandatory FDS template; audited fin stmts uploaded; locks PHA's PHAS-Financial score.
Auto-generate FDS lines from bank+book data. Tie out to GAAP statements. Produces a submit-ready FDS package for your team to review.
Covers 26,000+ multifamily HUD properties (Section 8 PBV, 202, 811, Mark-to-Market).
Same FDS pipeline retargeted to MF chart of accounts.
Submitted via IMS/PIC for every tenant action (admission, recert, interim, end of participation). 50058 errors block voucher payments.
Validation before submission (error code catalog); auto-prep from tenant ledger; correction workflow.
The submission portal for HUD-50058. Tracks units, buildings, occupancy, demographics.
Validate + prepare 50058 records against the IMS/PIC error codes before your team uploads them; reconcile occupancy against our ledger. (We never write to IMS/PIC.)
HUD-operated income data source — Social Security, wage matches, new hires. Required for income verification on all subsidies.
Track EIV income discrepancies you enter, classify substantial differences, and manage repayment agreements before they become finding citations. A direct EIV data pull is on the roadmap.
Monthly submission of HAP + admin fee usage. Drives funding for the next month.
Auto-prepare monthly VMS from our HAP register; pre-submission accuracy check; utilization forecasting.
14 indicators scored annually. Score below 60% = Troubled status, draws federal monitor.
Live score tracking across all 14 indicators. Alert on indicators trending below threshold; remediation guide.
HUD's grant-draw mechanism. Form HUD-52681 / 52681B for HCV draws.
Auto-build draw requests from our HAP register + admin fee accruals. Reconcile against authorizations.
The qualitative half of PHAS — vacancy, work orders, budget controls, deficiency rates.
Pull from our ops + AR data; pre-compute MASS pillars; surface what's dragging the score.
Annual formula grant for modernization. 5-year Action Plan; physical-needs assessment; obligation/expenditure deadlines.
Capital project tracking, deadline alerts, obligation-rate reporting, NSPIRE-driven prioritization.
Why a separate site
Housing finance is its own discipline.
A general-purpose AI bookkeeper doesn't know what a tenant accounts receivable subledger looks like, what FDS line 70300 means, what makes a HUD-50058 record fatal vs. fixable, or why your SEMAP “Reasonable Rent” indicator just dropped 8 points. This site lives inside that vocabulary.
We treat HUD as a partner, not just a regulator. The REAC opportunities page below is our public roadmap for what HUD itself could do faster if PHAs were running on this stack.
Live PHA tools
These aren't mockups — each links to a working tool that computes + validates your HUD figures from your own books. A human uploads to FASS-PH / IMS-PIC / the FAC with HUD credentials; Ledger Copilot never files.
Computes: Live FDS status from your books plus a readiness checklist (50058, FDS, VMS, Single Audit) with 9-month deadline math.
Tracks readiness only — it never files to FASS-PH; a person submits with HUD credentials.
Open tool →Computes: The consistency checks HUD's own systems run — FDS balance (24 CFR 902.33), VMS leasing/HAP, 50058 Total Tenant Payment (24 CFR 5.628), and the 50058 reporting rate — with a ready/blocked verdict.
Validates before a human uploads — it never files or transmits to HUD.
Open tool →Computes: Rolls your trial balance into the FDS statement groups with a reproducible account-level drill-through tie-out, plus the GASB-54 fund-balance framework.
Derives an audit-ready tie-out from your books — it never files.
Open tool →Computes: Total Tenant Payment and HUD-50058 family-report figures from the household's income (24 CFR 5.628).
Computes the figures — a person reports them to IMS-PIC; it never files.
Open tool →Computes: Your FYE-aware HUD due dates — FDS (unaudited + audited), VMS monthly, 50058, and the Single Audit.
Tracks dates only — it never files.
Open tool →Computes: LOCCS draw availability, EIV income reconciliation, NSPIRE inspection readiness, and Capital Fund obligation deadlines.
Computes + validates readiness — it never files to HUD.
Open tool →Computes: A printable working paper snapshotting the pre-submission verdict, the GL → FDS tie-out, and the readiness table — timestamped and signed by the reviewer.
Produces a working paper for a human reviewer — it never files to HUD.
Open tool →Computes: Payment standard within 90%–110% of the published FMR (24 CFR 982.503), rent reasonableness vs comparable rents (982.507), HAP + family share (982.505), and the 40% family-share cap at initial lease-up (982.508).
Validates a unit's rent — the FMR and comparables are your inputs, not a live HUD feed; it never files to HUD.
Open tool →Computes: Your SEMAP score across the 14 Housing Choice Voucher management indicators (24 CFR 985.3) and the resulting performer designation — high, standard, or troubled (24 CFR 985.103) — with key-indicator advisories.
A self-scoring worksheet for form HUD-52648 — it never files or submits to HUD.
Open tool →Computes: Your monthly VMS net position tied to the FDS lines REAC compares them against — restricted to FDS 511.4 and unrestricted to FDS 512.4 — plus voucher utilization, HAP, and admin fee.
Reconciles VMS to the FDS before a person submits — it never files to VMS or FASS-PH.
Open tool →Computes: The EIV-vs-tenant-certified income discrepancy with the substantial-difference flag (24 CFR 5.233 / 5.236) plus a repayment-agreement schedule + affordability check (PIH repayment-agreement guidance).
Computes the discrepancy + schedule for a person to investigate and collect — it never files to EIV/IMS-PIC.
Open tool →Computes: Each household's Total Tenant Payment (24 CFR 5.628) plus the HOTMA asset-eligibility screen — net family assets over the inflation-adjusted ceiling or ownership of real property suitable for occupancy flags ineligibility, with the de-minimis self-certification threshold surfaced (24 CFR 5.618).
Computes a per-household verdict for a human to act on — it never files or transmits to HUD.
Open tool →Talk to us
If you run a Housing Authority, work in a HUD field office, or are evaluating bookkeeping + compliance software for your agency — we want to talk. We're actively looking for pilot partners.